Banque Cramer & Cie SA
Origin of Banque Cramer & Cie SA
The roots of Banque Cramer date back to the 18th century. Banque Cramer, as we know it today, began operations at the beginning of the millennium.
In Geneva, Pierre Cramer de Brandis founded Cramer & Cie in 1709. Over the years, decades and centuries, the Cramer family continues their wealth management activities under various names. The name Messieurs Cramer & Cie (Asset Management & Brokerage) dates to 1932.
In 2002 Messieurs Cramer & Cie merges with Compagnie Financière Norinvest (CFN) and becomes a public limited company. From that date, the name changes to Banque Cramer & Cie SA.
Banque Cramer & Cie SA is wholly owned by Norinvest Holding SA (NIH), a family-owned company with roots in the industrial sector, dating back to 1871.
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Philosophy and Strategy
Since the early 18th century, Banque Cramer has been helping their clients manage their assets. Today, the bank serves selected private and institutional investors with individual portfolio management, advisory, and other wealth services.
The bank’s clients include wealthy individuals and families, independent financial advisors and professional institutional investors. Regardless of their different life situations and goals, all customers expect high-quality and technically sound advice.
Banque Cramer’s business is based on a set of binding values that helps the bank to meet the promises made to their customers.
Banque Cramer is an open and attentive company dedicated to the human side of the banking business. The bank is aware that they are always at the service of people and their concerns. Therefore, Banque Cramer always listens to their customers and maintains close relationships with them, which are characterized by respect and warmth. The bank also strives to be modest and authentic. With flexibility and pragmatism, Banque Cramer wants to deepen the trust of their customers every day.
As a trusted advisor, reliability is a matter of course for Banque Cramer. The bank is loyal to their clients, and their interests are the top priority. The bank is a stable financial institution that knows how to implement the laws and regulations. Banque Cramer operates the banking business entrepreneurially, sustainably and prudently, in strict compliance with the highest ethical and industry standards.
Banque Cramer is competent in what they do and stays focused on performing their job to the best of their abilities. In a world of rapid change, Banque Cramer ensures that their expertise is always up to date so that they can sustainably meet the demands of their clients. As an independent company, Banque Cramer attaches great importance to openness and transparency.
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Services and Solutions
Banque Cramer offers the following services:
- Portfolio Management
- Investment Advisory
- Wealth Services
- Financing
- Investment Products
Portfolio Management
Banque Cramer offers two types of mandates, the classic mandate, and the custom mandate.
With a classic mandate, Banque Cramer makes the daily investment decisions and at the same time continuously monitors the market developments.
However, with a classic mandate, the client does not commit himself to a “one-size-fits-all solution.” The individual investor profile is crucial for managing the client’s assets. To tailor the portfolio precisely to the client’s preferences, Banque Cramer offers the classic mandate in four different risk-return profiles. Each of these profiles can be managed in the most important reference currencies. The profiles are Fixed Income, Yield, Balanced and Growth.
If the client wants an even more individualized solution – perhaps with a focus on specific regions or asset classes or to avoid certain types of investments or sectors – then Banque Cramer can put together an individual mandate according to the client’s wishes.
Investment Advisory
Experienced private or professional investors are used to make investment decisions on their own. However, they can count on quality advice and the analytical resources of a professional financial services provider.
Banque Cramer provides them with a team of proven investment specialists. The client continues to make own decisions and receives targeted support.
Banque Cramer offers two types of advisory options, the advisory service, and the advisory mandate.
Wealth Services
Personal finances are a challenge for wealthy individuals. Many aspects need to be considered, and quite a few are relatively complex. In the life cycle, everything is always in flux – more complexity is the consequence. Banque Cramer supports the customer in the personal wealth planning with a wide range of consulting and other services.
The client’s financial interests and those of their family are best preserved by looking at the total assets and the overall financial situation holistically.
The services are tax planning, inheritance planning, retirement planning and succession planning.
Financing
Today private individuals have a wide range of financing options available. Therefore, it is essential to know what these opportunities are and what are the benefits and risks associated with them. Banque Cramer brings the relevant expertise and support and offers convincing financing solutions, like credit solutions (Lombard loans, guarantees, and mortgages) and structured financing.
Investment Products
Experienced private and professional investors are used to make their own decisions. At the same time, they also value quality advice and the analytical resources of a professional institution.
Banque Cramer has an open-architecture approach and offers several investment products:
- UNICORN Capital SICAV
- Third-party funds
- Structured products
- Club deals and private equity
Risk Management
The Board of Directors Is evaluating the risks and is responsible for the risk policy. The risk policy is reviewed periodically. Independent risk control bodies monitor the risks. The Executive Board is regularly informed about the financial positions, the liquidity, and earnings situation. The main risks are the credit risk, the market risk, the liquidity risk, the operational risk and the legal and compliance risk.
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Added-Value Services
The net profit dropped sharply in 2017 from 4.09 million CHF in 2016 to 1.29 million in 2017.
The figure for the assets under management for 2017 is not available.
Banque Cramer shuttered the retail business in Switzerland in 2017 and moved the team from Lausanne to Geneva.
The bank also sold a majority stake (85%) in its Bahamas based unit, Private Investment Bank to the locally based IPG Securities Asset Management.
Banque Cramer & Cie SA – Facts & Figures
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| Address | Av. De Miremont 22, 1206 Geneva |
|---|---|
| Phone | +41 58 218 60 00 |
| Website | www.banquecramer.ch |
| Year of foundation | 1999 |
| Subsidiaries | – |
| No. of employees | 80 |
| Rating | – |
| Chairman | Massimo Esposito |
| CEO | Stéphane Poulin |
| Eligible Regulatory Capital | 69.940 m CHF |
| Tier 1 Ratio | 18.90 % |
| Leverage Exposure | 851.615 m CHF |
| Leverage Ratio | 7.60 % |
| Liquidity Coverage Ratio | 273 % |
| Risk Weighted Assets | 342.315 m CHF |
| Loans outstanding | 458.054 m CHF |
| Assets under Management | 2.586 bn CHF |
| Assets under Management / Employees | 32.325 m CHF |
| Net profit | 5.001 m CHF |
| Net Profit / Employees | 62’512 CHF |
| Cost / Income Cost Ratio (CIR) | 79.86 % |
| Return on Equity | 6.55 % |
| Own structured products | No |
| Foreigners accepted | Yes |
| Presence abroad | No |
Source: Annual Report 2021
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